When cash flow lenders say no
Turned down by a cash flow lender? Here's why, and what to do next
Cash flow lenders can only lend if your bank statements prove the repayments. No reliable cash flow, too many other loans or a serviceability ceiling all end in a no. A property-secured loan answers a different question, so none of those problems apply.
Every explainer in this section
13 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
Rejected? Start here
Why cash flow lenders decline companies and what to do next: the common reasons, what a decline doesn't mean, and the fast property-secured alternative.
Read the explainer →No reliable cash flow
Why lenders decline companies with irregular, seasonal or new cash flow, how they read your statements, and how a loan secured on property sidesteps the test.
Read the explainer →Too many loans
Why lenders decline companies already carrying several loans, how stacking drains cash flow, and how one loan secured on property can replace the lot.
Read the explainer →Serviceability limits
How serviceability limits cap what a company can borrow on cash flow, why the buffers shrink the figure, and how equity in property lifts the ceiling.
Read the explainer →Unsecured loans
How unsecured business loans are assessed, why cash flow lenders decline companies, and how a fast loan secured against property avoids those limits.
Read the explainer →Line of credit
How a business line of credit is assessed, why lenders cut limits or decline, and how a fast secured loan against property gets you funded anyway.
Read the explainer →Working capital loans
How short-term working capital loans are assessed, why cash flow lenders decline them, and how a fast secured loan against property covers the gap.
Read the explainer →Invoice finance
How invoice finance works, why lenders decline ledgers with slow or concentrated debtors, and how a fast secured loan against property replaces it.
Read the explainer →The turnover ceiling
How cash flow lenders cap what a company can borrow on turnover, why existing loans and serviceability shrink the figure, and how equity lifts the ceiling.
Read the explainer →Repayment frequency
Why cash flow lenders debit daily or weekly, how it squeezes a tight account and how a secured loan against property keeps repayments manageable.
Read the explainer →Bad credit loans
Bad credit business loans for companies: why cash flow lenders decline defaults and ATO debt, and how a loan secured against property looks past them.
Read the explainer →Low doc loans
Low doc business loans explained: what lenders accept instead of tax returns, and how a loan secured against property needs no cash flow records at all.
Read the explainer →Too many loans
Why lenders decline companies with too many loans, how stacked short-term debt strangles cash flow and how a secured loan against property consolidates it.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
What Company Cash does
Secured loans
Secured business loans for Australian companies: property-backed loans of $20k to $50k, first and second mortgages, caveats and company vehicles, funded fast.
Open the hub →Inside the assessment
How lenders decide
What business lenders actually check: bank statements, serviceability, LVR, exit strategy, ATO debt, credit files, guarantees and valuations, explained by a lender.
Open the hub →Who we fund
Industries
Business loans by industry for Australian companies: trades, construction, hospitality, retail, transport, healthcare, professional services and online stores.
Open the hub →Own property? You may be closer to a yes than you think
One short enquiry, no credit check, no cash flow records, and a real person who tells you what your property could support.
No credit check to ask
Your file stays with us
Lender's-eye honesty